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Certain life events typically give you 60 days to obtain coverage. We can help, so don’t wait.
Although the annual federal open enrollment period for health insurance has ended, major life changes may qualify you to buy health insurance now. Some changes include:

Family changes like getting married or the birth (or adoption) of a baby

Loss of health coverage from your employer

Qualifying events such as these generally mean you have 60 days to enroll in a health plan. The TruStage Health Insurance Program gives you access to GoHealth. Licensed insurance agents are ready to confirm if your event qualifies, check your eligibility for financial assistance, and help you find, compare and buy coverage.

Decisions about your health insurance are some of the most important ones you can make. Who will provide your care? How much will it cost? What are the options? What is the best choice for you and your family?

To help you find the answers, we’re proud to work with GoHealth – the nation’s most complete online marketplace for finding health insurance coverage. GoHealth has helped more than 40 million consumers shop for affordable coverage, connecting individuals and families with the right plans to meet their needs.1

Even though health insurance plans offer yearly periods of open enrollment, specific life events may allow you to obtain or change coverage at any time.

Whether it’s a change in household size (including marriage, divorce, a new baby, and adopting a child), losing coverage through your employer, moving out of your current coverage area or even gaining citizenship, qualifying events mean you have 60 days to buy health insurance coverage.

With the TruStage Health Insurance Program, you can use GoHealth to find the coverage you need and complete your enrollment within the 60-day window. Call 1-888-492-3446 to get details.

What events typically qualify for the special enrollment periods?

These are just some of the events that could qualify you to buy health insurance outside of the annual open enrollment period:

Marriage or divorce

Birth or adoption of a child

Loss of health coverage from your employer

Aging off of a parent’s plan

Moving your residence outside of your plan’s coverage area

Group coverage discontinued by your employer

An involuntary loss of an individual policy plan

COBRA expiration

Losing eligibility for Medicaid or CHIP

Gaining citizenship

Placing a child for adoption

Leaving incarceration

Call 1-888-492-3446 today and our GoHealth licensed insurance agents can confirm if your event qualifies. They can also check your eligibility for financial assistance and go over your options if you don't have a qualifying event.

What is a special enrollment period?

Health insurance is typically only available during the open enrollment window established by the Affordable Care Act (ACA).

When you experience a qualifying life event, the special enrollment period is a short window of time for you to sign up for health insurance. From the date of the event, you generally have 60 days in which you can buy health coverage that fits your changing needs.

If you miss the deadline, you may have to wait until the next open enrollment period to get insurance coverage. Don’t wait. Call 1-888-492-3446 to get details.

What types of plans are available during special enrollment periods?

When you experience a qualifying life event, you can choose from the same major medical health insurance options that are available from GoHealth during open enrollment.

As a credit union member, you have access to licensed insurance agents and tools to help you understand your options, compare health insurance plans and find the best value. With the TruStage Health Insurance Program and GoHealth, you can make confident decisions and find affordable coverage to match your new life.

Licensed insurance agents at GoHealth are ready to determine if your event qualifies, simplify the process, offer advice, provide quotes and help you get the right plan for your family. They can even help you determine whether you qualify for various levels of financial assistance and assist with the final calculations.

When does coverage start?

When you buy coverage during a special enrollment period, the effective date of coverage depends on when you enroll.

If you sign up by the 15th day of a month, coverage generally begins on the first day of the next month. If you sign up after the 15th, coverage begins on the first day of the following month.

GoHealth licensed insurance agents are ready to assist you with answering all your questions.

What if I don't sign up during special enrollment?

Don’t miss your chance to get the coverage you need. Once the 60 day window for your qualifying event ends, you will have to wait until the next yearly enrollment period to buy a plan (unless you have another qualifying event).

Call 1-888-492-3446 today to get started today.You can also sign up for our reminder emails, and we’ll help you stay on track with making your choices on time.

Don't have a qualifying event right now?

The next federal open enrollment period for health insurance begins this fall. We can help you stay informed and on-schedule, so sign up now for a free email alert.

Your email address:

Your email has been submitted and will be notified when open enrollment begins.

See if you qualify for financial assistance.

Many people qualify for financial assistance.

Financial assistance for your health plan could be available to you and your family. Many factors are considered, including household income and the number of people in your family. Many people qualify.

Here are general examples of people who could qualify for financial assistance:2

INDIVIDUALS with an annual income below $48,560

COUPLES with a combined annual income below $65,840

FAMILIES OF FOUR with a combined annual income below $100,400

As you research your options online or by phone, you’ll have access to tools and representatives who can help determine if you qualify. And even if you don’t qualify, our program can still help you find a good plan and a solid value.

Million People Protected

More than million credit union members have selected TruStage for life, accidental death and car & home insurance.

A Tradition of Strength and Service

TruStage is part of a heritage that spans more than eight decades of faithful service to America’s credit union members.

Preferred by Credit Unions

Thousands of credit unions across the nation have selected TruStage to provide competitive, member-friendly insurance services to their members.

The TruStage® Health Insurance Program is made available through TruStage Insurance Agency, LLC and GoHealth LLC. GoHealth LLC is licensed to sell nationwide and operates in all states with the exception of Massachusetts, Vermont and Rhode Island. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

1Families who qualified for the Advance Premium Tax Credit saved an average of $383 per person per month on their health insurance when they shopped through the health insurance marketplace (based on CMS 2017 open enrollment data).

2 83% of those who enrolled qualified for the Advance Premium Tax Credit to lower the cost of their health insurance (based on 2017 OE data)